United Club℠ Infinite Card review

Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page.

ON THIS PAGE Jump to Open page navigation

Snapshot

3.9

Bankrate rating
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
Chase Image

United Club℠ Infinite Card

Rewards rate

1X–4X

Annual fee

$525

Intro bonus

Earn 100,000 Bonus Miles

Regular APR

16.49% - 23.49% Variable

Recommended Credit Score

Excellent  (740 - 850)

United Club Infinite Card Overview

Frequent travelers loyal to United Airlines should consider the United Club Infinite Card from Chase because of the card’s premium travel perks. However, the Club Infinite card steep $525 annual fee might be tough to swallow for rewards-savvy and budget-conscious cardholders alike. Still, some travelers might eke enough value out of this card to make the annual fee worth it.

What are the advantages and disadvantages?

Pros

  • Generous welcome offer
  • 4X miles on United Airlines purchases
  • Worldwide United Airlines and Star Alliance airport lounge access
  • Free checked bags on United-operated flights
  • Global Entry and TSA Precheck application fee reimbursement
  • 25 percent back on purchases made on United-operated flights using your Club Infinite Card

Cons

  • No 0 percent intro APR offer on purchases or balance transfers
  • $525 annual fee
  • Requires very good to excellent credit to qualify

A deeper look into the new current card offer

Quick highlights

  • Rewards rate: 4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases
  • Welcome offer: 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
  • Annual fee: $525
  • Purchase intro APR: None
  • Balance transfer Intro APR: None
  • Regular APR: 16.49 percent to 23.49 percent variable

Current welcome offer

New card holders can earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. This is a generous increase from the card’s previous 75,000 bonus mile offer for a slightly higher spending requirement in the first 3 months.

Rewards

The United Club Infinite Card is an airline rewards credit card that earns miles you can redeem through the United MileagePlus program for things like travel, dining, entertainment, gift cards and more. Your points don’t expire as long as your account remains open.

Earning rewards

You’ll earn 4x miles for all United Airlines travel purchases, including baggage fees, ticket upgrades, in-flight meals, Wi-Fi and any other United purchases. You’ll also earn 2x miles on non-United travel purchases and on dining and eligible food delivery services. All other purchases will earn 1x miles.

There are no caps to the number of miles you can earn.

Redeeming rewards

You can redeem your earned miles through the United MileagePlus program. To get the most value out of your miles, redeem them for flights on United or with one of its Star Alliance airline partners. You can also redeem miles for other things like gift cards, shopping, dining and MileagePlus experiences, but point values will vary.

How much are miles worth?

United miles are typically worth 1.3 cents or more when redeemed for travel and less when used for non-travel expenses. When using your United miles to book flights, the MileagePlus program has two types of awards:

  • Saver Awards are your best bet to get the full-redemption value of your miles, but flights are capacity controlled and sometimes harder to book.
  • Everyday Awards tend to have more flights available, but it’ll cost you more miles to book.

You can also redeem miles for hotels, car rentals, cruises or in-flight amenities, along with or non-travel items like merchandise, gift cards, magazine subscriptions or exclusive MileagePlus experiences. However, you won’t get as much value out of your miles with this option.

Benefits

With the United Club Infinite Card, not only do you get elite United Airlines travel benefits, but you also get Chase credit card and Visa Infinite premium cardholder perks as well.

United Club Membership

You‘ll automatically get United Club membership as long as you’re a cardholder. This gets you and eligible travel companions access into all United Club and Star Alliance affiliated airport lounge locations worldwide.

Without the card, United Club membership costs $650 a year.

Premier access

Get priority check-in, priority boarding and baggage handling privileges for you and your travel companions at airports where United Premier Access is available.

Global Entry or TSA PreCheck credit

When you pay for a Global Entry or TSA PreCheck application fee with your United Club Infinite Card, you’ll get a statement credit for up to $100 to cover the cost (available every four years).

25% back on United in-flight purchases

You’ll receive 25 percent back in statement credits for all in-flight purchases spent on United-operated flights when you pay with your Club Infinite Card.

Free checked bags

As the primary cardholder, you and one travel companion on the same reservation will each get two free checked bags on United-operated flights.

Hertz Gold Plus Rewards

Cardholders are eligible to enroll in Hertz Gold Plus Rewards President’s Circle. This perk comes with guaranteed car rental upgrades, a 50 percent bonus on Hertz Gold Plus Rewards and other exclusive car rental offers.

Premier hotel and entertainment upgrades

Your United Club Infinite Card comes with multiple premier upgrades that give you access to things like:

  • The Chase United card member luxury hotel and resort collection.
  • Special United Card events from Chase like celebrity meet-and-greets, private culinary exhibits and sporting events.
  • United MileagePlus events like Broadway shows, concerts and theater showings.

Travel coverage and purchase protections

The Infinite card also comes with travel-specific coverage:

  • Trip cancellation/interruption insurance.
  • Baggage delay insurance.
  • Lost luggage reimbursement.
  • Trip delay reimbursement.
  • Visa concierge service.
  • Auto rental collision damage waiver.
  • Purchase protection.
  • Return protection.
  • Extended warranty.

Rates and fees

The United Club Infinite Card has a high annual fee of $525. It doesn’t charge foreign transaction fees. The current variable APR is 16.49 percent to 23.49 percent.

How the United Club Infinite Card compares to other airline/travel cards

If you’re a frequent traveler who likes premium perks and always flies United, this card might be a good option for you. If you aren’t loyal to United, a premium travel card like the Chase Sapphire Reserve or The Platinum Card® from American Express might be a better option for you because they’ll have more flexible redemption options.

Chase Image

United Club℠ Infinite Card

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
3.9

Annual fee

$525

Sign up bonus

Earn 100,000 Bonus Miles

Rewards rate

1X–4X

Recommended credit

Excellent(740 - 850)
Chase Image

Chase Sapphire Reserve®

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
4.3
Apply now

on Chase's secure site

Annual fee

$550

Sign up bonus

50,000 points

Rewards rate

1x–10x

Recommended credit

Excellent(740 - 850)
American Express Image

The Platinum Card® from American Express

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
4.3
See Rates & Fees, Terms Apply
Apply now

on American Express's secure site

Annual fee

$695

Sign up bonus

100,000 points

Rewards rate

5X–5X

Recommended credit

Good to Excellent(670 - 850)

Best cards to pair with the United Club Infinite card

To maximize your rewards earnings, consider pairing a complementary low-cost rewards card with the Club Infinite card. For example, a no-annual-fee cash-back card that offers rewards in one of your biggest spending categories—such as grocery or gas station purchases—could be a great fit.

One popular card is the Citi® Double Cash Card which earns a flat cash-back rate of up to 2 percent back on all purchases (1 percent when you buy and 1 percent as you pay of purchases).

Bankrate’s Take—Is the United Club Infinite card worth it?

If you’re looking to save money while you earn rewards for future travel, the Club Infinite card could make sense due to its welcome offer. Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Because this is a premium Chase card, the United Club Infinite Card credit score required to qualify is very good to excellent. If you have less-than-perfect credit, check out Bankrate’s list of credit cards for good credit or fair/average credit instead. Loyal United Airlines travelers and United MileagePlus members should also visit Bankrate’s list of the best United credit cards for other United Airlines card options.

The information about the United Club℠ Infinite Card and Citi Prestige® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.